Quote:
Originally Posted by macker
Section C
Subsection 2. Collision or upset - caused by collision with another object or by upset. This is the coverage that would apply to a hit and run.
Subsection 3. Comprehensive - from any peril other than by collision with another object or by upset. Section includes loss or damage caused by misles, falling or flying objects, fire, theft, explosion, earthquake, windstorm, hail, rising water, malicious mischief, riot or civil commotion.
Deer is flying object and hit and run is non-chargeable collision.
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A deer is not a "flying object", a dead deer is a collision. Technically an alive deer is a collision too.... But all companies put it as a comp claim and some have in their wordings under comprehensive as collision with an animal
Quote:
Originally Posted by Slava
Well when I adjusted claims we always did these as Comprehensive claims. Where's FKA when you need him?
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Depends on the company and the circumstances.... At the company I work for as an adjuster it is considered a comp claim if the vehicle is parked and there is absolutely no information of the other vehicle. Even if they know it was a blue car and that's it, it's considered a collision. Not every company does this though but I know of a few including the place I was workin at as a broker for before.